💰The 50/30/20 Challenge can be found in the classroom section under Module 5💰 This funnel teaches balance without burnout. 50% goes to stability (needs, emergency), 30% to lifestyle and joy, 20% to growth (savings, investing). It works because it honors pleasure and progress. Extremes fail—structure wins. 💰Actionable steps: Apply the ratio to extra money first (bonuses, found money). Adjust percentages slightly if needed, but never skip growth. Growth is non-negotiable. 💰When NOT to Reinvest Yet (Discipline Check) Reinvesting too early is just impatience dressed as ambition. If you don’t have an emergency buffer, stable cash flow, or emotional control around money, investing will stress you out instead of growing you. Timing matters. 💰Actionable steps: 🔥Ask three questions before reinvesting: 1️⃣Do I have at least one month of expenses saved? 2️⃣Can I leave this money untouched for 6–12 months? 3️⃣Am I calm—not excited or desperate—about this decision? If not, wait. Discipline compounds faster than risk. Why This Changes Everything? ♟️This is chess. Every move sets up the next. Money stops being random and starts being strategic. You’re no longer just saving—you’re directing, sequencing, and scaling. That’s how people quietly level up while everyone else is still chasing quick wins. ✅ Remember to check off the mark at the upper right of your classroom lessona to track your progress

✨ THE $10K / 90-DAY SMASH BOX SAVINGS CHALLENGE ✨ New Year. New Chapter. New Standard. Let’s be clear: This is not a “manifest it and hope” moment. This is a get your life back in alignment moment. This year is for: • The last • The lost • The least • The forgotten • The underdogs • The black sheep If you’ve been counted out, overlooked, starting over, or rebuilding quietly — this is your W year. 💥 WHAT THIS CHALLENGE REALLY IS The Smash Box Challenge isn’t about the box. It’s about discipline, identity, and delayed gratification. For 90 days, you are choosing: • Structure over chaos • Consistency over motivation • Execution over excuses You save money weekly, place it into a locked acrylic box, and you do not open it until the goal is complete. No borrowing from yourself. No “just this once.” No emotional spending. When the challenge ends, you don’t gently open the box. You smash it — because by then, you’re no longer the same person who started. 📅 HOW THE 90 DAYS WORK Duration: 90 Days Goal: Save up to $10,000 (your pace, your capacity — discipline is the metric) Weekly Rules: • Minimum contribution required (no zero weeks) • Some weeks may be $20, others $120+ — consistency matters more than amount • Miss a week = no discretionary spending until you’re back on track This challenge meets you where you are — but it does not let you stay there. 🧠 WHAT YOU’RE ACTUALLY BUILDING This isn’t just savings. You’re building: • Financial self-trust • Emotional regulation around money • The muscle of keeping promises to yourself • Proof that you can finish what you start Most people don’t fail because they’re broke. They fail because they lack systems. This challenge is the system. 👑 WHO THIS IS FOR This is for people who are: • Tired of starting over every January • Ready to stop living paycheck to panic • Done romanticizing struggle • Willing to choose discipline even when it’s uncomfortable If you want “soft” without structure, this isn’t for you. If you want a soft life built on control and self-respect, welcome home.